Stafford, TX Car Insurance

The average monthly cost for car insurance in Stafford is about $72. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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How do rates in Stafford measure up compared to neighboring areas, including Texas as a whole? What rates should residents of Stafford expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Stafford?

Area Average Monthly Car Insurance Premium
Stafford$72
TX$65
United States$81

As you can see, car insurance policies across the rest of Texas are about $7 a month cheaper than the rates drivers pay in Stafford.

Drivers relocating from out of state may enjoy some cost savings in Stafford. It's around $9 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Although these are the average car insurance rates in Stafford, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

We've done the heavy lifting for you and broken down the average rate for Stafford so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$107
25-34$69
35-44$66
45-54$67
55-64$51
65+$51

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may rise again in Stafford.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$73

On average, female drivers pay slightly less than male drivers for car insurance. In Stafford, however, men actually pay a little bit less than female drivers for insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$93
1 Ticket$75
Multiple Tickets$86

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Stafford with a single accident will pay around $78 a month. In addition, drivers with one ticket can expect to pay around $75 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$72
4-5 Years$94
6-7 Years$71
8-10 Years$67
11-14 Years$71
15 Years or Older$64

In Stafford, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $62 per month for insurance coverage.

SUV drivers will see rates of about $67 for car insurance coverage, while car owners by and large pay around $74 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Stafford are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$78
Married$63
Divorced$64
Widowed$49

On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Stafford is no exception, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$75
Live with parents$76

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $12 a month more than those who own their own home in Stafford. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Stafford, TX

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The rates for car insurance in Stafford had been increasing from 2017-2018, before decreasing from 2019-2020. They finished down in 2022 at $57.

How does Stafford compare to neighboring areas?

Why are car insurance rates in Stafford different from other areas?

Car insurance companies will take into account many factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Amount of off-street parking
  • Number of drivers in the region
  • Community laws
  • Prevalence of crime
  • General road safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Stafford?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Stafford.


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Stafford Insurance FAQs

What factors affect car insurance quotes in Stafford?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Stafford different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Stafford?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Stafford?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Stafford or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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